Who We Are

Northern Homes Community Development Corporation, Inc. is a non-profit organization focused on creating affordable housing. We incorporated in 1998 and received 501(c) 3 designation that same year. We are an approved HUD Counseling Agency with certified MSHDA Housing Counselors.

Who We Serve

We work with families and senior citizens in Antrim, Charlevoix, Emmet, Cheboygan, Otsego, Crawford and Roscommon Counties.

Our Mission

To create and preserve quality affordable housing opportunities for Northern Michigan residents through education, development, and partnering with local communities.

Our Vision

Northern Michigan will have strong communities with affordable housing opportunities for all, and families will have the knowledge to make good decisions regarding credit and housing options.

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Current Events & Helpful Tips

Attend a Workshop

Avoid Foreclosure

Buy/ Rehabilitate a Home

Rent an Apartment

HOT OFF THE PRESS

Last Updated 05/23/2016

WORKSHOPS

Homebuyer Education

Homebuyer Education Workshops held EVERY 2nd SATURDAY of the month

from 9 AM to 4 PM at Northern Homes CDC's office, located in the Boyne City Airport

How to protect yourself from housing scams and predatory lending practices

Upon completing the Homeownership Training Counseling Sessions you will receive the certificate that is typically required by lenders when entering into a government loan program such as MSHDA, RD Rural Development, FHA or VA.

Call us at (231) 535-0195 to schedule an appointment and make your dream of homeownership a reality.

Northern Homes is a HUD* Certified Housing Counseling Agency and our Counselors are Certified by MSDHA* as LINKS to Homeownership Counselors.

If you do not have the time to take advantage of our free Homebuyer Education Workshop

you may take the course online atfor a minimal fee. After completing the online

course you will receive a certificate that is required by many mortgage lenders.

“The class made me realize how serious my debts were and that my debt ratio was way out of alignment.” Gaylord Class Participant

“Each week offered a new speaker or topic to explain more options for credit repair. The classes made me feel less “alone” in the credit mess I’ve created.” Petoskey Class Participant

“I feel I know a bit more about how to budget my money and save for the future. “ Mancelona Class Participant

“I expected to learn what to do with my bills but didn’t expect Alice to help me write the letters.” Gaylord Class Participant

“I knew what I needed to do; I just wasn’t sure how to do it all. Alice helped us with that.” Mancelona Class Participant

“The class actually delivered more than I expected because I was at the end and now I have options.” Gaylord Class Participant

“I think everyone could learn a lot from this class.” Grayling Class Participant

“The classes helped not only with my every day budget, but also gave me hope as a future homeowner.” Gaylord Class Participant

Letter From Participant

Alice,

I would like to thank you on behalf of my husband and myself. Your Financial Management, Budgeting, and Credit Repair Class has helped our family tremendously in only seven weeks.

When I began your class, my husband and I felt like we were drowning. We had no budget, no knowledge of money management, and no strategy to pay off our debts and fix our credit. We thought we would be “renters” for life. With your help, I learned that I was not drowning. You taught me that even the worst credit can be helped. Because of all of your help my husband and I will be debt-free in 35 months. We can see “the light at the end of the tunnel”.

Thank you, thank you, thank you. This class should be a requirement in high schools everywhere. If we can educate people when they are young, no one will ever have to have credit problems.

Thank you and your company, Northern Homes Community Development Corp. for sponsoring this class. I hope many more people are shown “the light”.

Thank you and God Bless,

Jennifer and Brian V.

P.S. Alice, I will be contacting you when we are ready to purchase our home for your Pre-Purchase/ Mortgage Classes.

FORECLOSURE PREVENTION COUNSELING

Is your home at risk of foreclosure?

Have you contacted your mortgage company, but haven’t been able to get the answers you need or the help that you deserve?

Don’t be scammed by companies that falsely guarantee your home’s security in exchange for fees. Northern Homes CDC is a HUD & MSHDA certified housing counseling agency that offers FREE housing counseling services to Northern Michigan residents. Our counseling services are tailored to meet the needs of individuals with the goal of overcoming obstacles in order to retain home ownership.

What Northern Homes CDC can do for you:

Provide an explanation of options that are available to you such as loan modifications, government assistance programs, repayment plans, or forbearances.

Assist you in the application process for available options.

Help you to negotiate a loan work-out plan with your lender and/or their attorney.

Help you take control of your finances by creating a budget that you can live with.

Explain your rights and responsibilities in the foreclosure process.

Provide you with referrals to other agencies who may lend additional assistance and support.

Don’t let anyone take your home!

Call Northern Homes CDC today and take the first step towards saving your piece of the American dream.

Maple Village Apartments I and II offer modern, spacious, 2-and 3-bedroom apartments. Our apartments feature large closets, washer and dryers, dishwasher, private entrances, and convenient parking. We are centrally located just 5 minutes from the downtown shopping district of Petoskey, restaurants, and hotels. We also have easy access to US 131 and are within walking distance to Wal-Mart, Home Depot, Lowes, and Office Max.

Please call (231) 347-3755 for more information on availability and current rates.

Antrim County- Bellaire

Bellaire Senior Apartments

109 - 117 Beech & 522 - 532 Thayer, Bellaire, MI 49615

The Bellaire Senior Apartments community has 2-bedroom apartments that are reserved for Senior Citizens age 55 and older. Each apartment features large closets, a washer and dryer and an attached one-car garage. Our community is nestled in a nice wooded area within walking distance (just one block) from the Bellaire Senior Center.

Please call (231) 347-3755 for more information on availability and current rates.

Crawford County- Grayling

Cobble Creek I

140 Cobble Creek, Grayling, MI 49738

Cobble Creek I offers spacious 1-3 bedroom apartments with on site laundry facilities, individual storage lockers and a playground area. Barrier free units may be available. This institution is an equal opportunity provider, and employer. Current rates are based on income.

Please call (989) 348-3150 for more information on availability and current rates.